yet nothing trickles down at a great rate

By definition.

if you don't test your code, you don't know if changes to it break it.

And if you do test your code, you still don't know. But you'll catch some of them.

Nor is being 23 and male.

Statistically, yes it is. 23 year old males are total idiots when it comes to their safety.

despite the fact he almost certainly has never heard of it before or had any reason to think it was faked.

So then your notion is that it's perfectly reasonable to believe that a World Cup will suddenly be held starting the very next day. Are the teams frantically packing their bags and rushing to the airport in order to make the opening kickoff?

Who is the one coming out asking the Congress to extend the Patriot Act?

Dictators don't ask.

That is what you have insurance for.

There's litigation insurance that covers losses on suits the policy holder initiates?

10 quid says the next mass extinction is the 1% purposefully "culling" the heard

You can't be in the 1% without the other 99.

If there is an absolute limit to the number of licenses, I could see companies hoarding them forever...

Until Uber came along, buying taxi medallions had been a quite good investment. They're crashing now, though.